USE CASE // MORTGAGE QC

Mortgage quality control, pre-close

Review underwriting decisions against guidelines and overlays. Catch defects and inconsistencies before investor review or repurchase risk.

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WHERE FLIGHTLINE FITS

Verification, not re-underwriting

Your underwriters make decisions. Flightline verifies those decisions follow investor guidelines. Before closing.

Application
Underwriting
Loan approved
Flightline Verifies
Did decision follow guidelines?
Closing
Funding

Flightline doesn't re-underwrite the loan. It verifies the decision already made complies with guidelines.

SPEED THAT CHANGES THE PROCESS

Verification before your next file

Traditional pre-close QC takes 24-48 hours. Flightline verifies in under an hour.

Traditional Pre-Close QC24-48 hours
Flightline<1 hour
Move from sample-based to systematic without adding headcount
24-48x
Faster verification
100%
Of loans verified
Before
Investor delivery
01
WHY QC

QC already exists as a formal verification function

Mortgage quality control is policy-heavy and rule-dense. It's also expensive, manual, and chronically under-resourced.

When AI enters underwriting (automation, decisioning assistance, document processing), existing QC assumptions break down.

Failures in mortgage QC aren't just defects. They're existential: repurchase risk, audit findings, investor confidence.

THE STAKES
Repurchase Demands
Defects discovered post-sale force buybacks
Audit Findings
Regulatory scrutiny on process and controls
Investor Confidence
Quality issues damage relationships and pricing
02
CURRENT STATE

What Flightline replaces

Manual processes that can't keep up with volume, complexity, or the speed of change.

Spreadsheet checklists

Manual tracking that's impossible to audit consistently

Sample-based loan review

Statistical sampling that misses systematic issues

Inconsistent human interpretation

Different reviewers, different standards

Retrospective defect discovery

Finding problems after investor delivery

03
WHAT WE VERIFY

Policy verification for mortgage QC

Systematic verification that decisions match guidelines, overlays, and internal requirements.

01
Guideline Adherence
Does each decision conform to investor and agency guidelines?
WHEN IT FAILS
Loans approved outside guideline parameters
IMPACT
Repurchase demands, investor relationship damage
02
Overlay Compliance
Are internal overlays being consistently applied?
WHEN IT FAILS
Overlay requirements missed or inconsistently enforced
IMPACT
Credit risk, policy effectiveness questions
03
Documentation Completeness
Is the loan file complete and compliant before delivery?
WHEN IT FAILS
Missing or inadequate documentation
IMPACT
Delivery rejection, remediation costs
04
Calculation Accuracy
Are DTI, LTV, and other calculations correct and consistent?
WHEN IT FAILS
Calculation errors that change eligibility
IMPACT
Compliance defects, repurchase exposure
05
Condition Clearing
Were conditions properly satisfied before closing?
WHEN IT FAILS
Conditions cleared without adequate support
IMPACT
Audit findings, investor concerns
06
AI/Automation Behavior
Are automated underwriting outputs being appropriately used?
WHEN IT FAILS
Over-reliance on automated approvals without review
IMPACT
Quality degradation, regulatory scrutiny
04
THE OUTCOME

What Flightline provides

Pre- and post-close verification

Catch issues before delivery, not after investor review.

Policy-specific failure visibility

See exactly which guidelines or overlays aren't being followed.

AI behavior review

Verify automated systems without blocking innovation.

Audit-ready evidence

Documentation that stands up to investor and regulatory scrutiny.

Ready to modernize mortgage QC?

Talk to us about how Flightline can help verify your underwriting decisions against policy.